The Independent Community Bankers of America (ICBA) named Joe Miller, Chief Credit Officer at The First National Bank in Sioux Falls, to its 40 Under 40: 2025’s Community Bank Leaders list.

The ICBA announced the winners of its seventh annual 40 Under 40 awards in June, highlighting bank leaders from across the nation who are positively impacting the world of community banking.

“Joe exemplifies what it means to lead with purpose,” said President & CEO Chris Ekstrum. “He represents the best of what our bank has to offer, and we’re thrilled that the ICBA has named him to their 40 Under 40 list.”

Joe has worked in the financial services industry for nearly 20 years. His first job was as a part-time teller.

Upon joining First National Bank in 2013, Joe served in our Ag Banking department until his promotion to Chief Credit Officer in 2023.

“Joe’s vision for community banking is deeply rooted in his rural upbringing and firsthand understanding of how community banks serve as the backbone of local economies,” said the award nomination submitted on his behalf. “Joe’s leadership reflects his belief that strong community banks create thriving communities.”

The ICBA recognized Joe for his “creation of a farming‑focused education program,” which he started in 2018.

“One example of Joe’s innovative spirit is when he created the Farmers ’N Bankers program,” said Ag Banking Manager Brian Gilbert. “Through the program, we help farmers and ranchers elevate their financial acumen and better navigate the cycles of the agriculture industry.”

A career milestone for Joe, the program has since been attended by more than 100 local producers and is currently in its eighth class.

According to Chris, Joe’s leadership in selecting a new Loan Origination System (LOS) for the Bank is another example of his positive impact.

Joe formed a dedicated group of teammates from multiple departments whose sole purpose was to evaluate and select the best system, ensuring that key stakeholders had a voice in the decision-making process.

In discussions, he prioritized listening and allowed each team member to openly share their insights, concerns, and preferences before offering his own perspective.

“Given the scale of this project and knowing that similar efforts at other banks often receive resistance, Joe’s approach of actively including all perspectives set us up for success,” Chris said.

Joe is an active member of the Risk Management Association Siouxland Chapter and has contributed to multiple South Dakota Bankers Association committees, helping to shape and advance banking practices across the state.

He also serves on Moody’s Community Bank Advisory Board, offering valuable insights to support community banks nationwide.

Beyond his professional contributions, Joe volunteers with local organizations and causes such as The Banquet, Rake the Town, and the Sioux Empire Livestock Show.

He is an advocate for Dell Rapids St. Mary Catholic Schools and plays a key role in fundraising for, planning, and organizing its annual carnival fundraiser.

Most recently, Joe joined the board of directors for the St. Francis House in Sioux Falls.

“It’s humbling to be nominated for an award like this,” Joe said, “and even more of an honor to get to work at First National Bank and share in our success together.”

“With his servant leadership approach, Joe puts people first — supporting the success of our customers, strengthening the Bank’s culture by living out our values, and creating an environment of trust, collaboration, and respect,” Chris said. “His impact is felt not just within our walls, but throughout the community.